KickBack Checking®

KickBack Checking, as in, “kick back and earn some interest.”

Get Your ATM Fees Refunded
$15 in nationwide ATM fee refunds every month.
Get Debit Card Instantly
We make them on the spot, no need to wait!
Earn Interest!
Earn up to 3.25% APY on balances up to $10,000.


Paid on the portion of the balance up to $10,000.00 if qualifications are met.
  • Welcome to checking that pays! Verve’s KickBack Checking lets you earn up to 3.25% APY on balances up to $10,000, and get up to $15 in nationwide ATM fee refunds every month.
  • Access your money immediately with an Instant Issue debit card. You’ll walk out with your ready-to-use, EMV chip-enabled debit card the same day you open your account.


Paid on the portion of the balance above $10,000.00 if qualifications are met.


Paid on the portion of any balance if qualifications are not met.

*APY=Annual Percentage Yield. APYs accurate as of Thursday, October 04, 2018.

Rates may change after account is opened. If qualifications are met each monthly qualification cycle: 1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5/ATM transaction, with a $15 maximum credited to the account on or about the 5th day of the next month; 2) balances up to $10,000.00 receive APY of 2.50%; and 3) balances over $10,000.01 earn 0.05% APY. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account. “Qualification cycle” is equal to one calendar month or first day of the current statement cycle through the last day of the current statement cycle. ATM transactions do not count toward 14 qualifying debit card transactions required to earn rewards, but any retail debit card transaction does (PIN-based or signature-based). Transfers between accounts do not count as a direct deposit. Limit one account per SSN. Membership eligibility required. $5 savings required for membership. $100 combined savings and checking balances to avoid minimum balance fee.

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Helping people reclaim their time